MS Office
Zameer Gajiyani
Corporate Banker
Mumbai
Summary
Detail-oriented Credit Manager skilled at analyzing lending activities according to current regulations, standards and market conditions. Offering 23 years of financial industry expertise.
Overview
26
26
years of professional experience
9
9
years of post-secondary education
3
3
Languages
Work History
SVP – Regional Credit Head West – Mid Corporates
Axis Bank Ltd
08.2007 - Current
- Taking/ Recommending lending decisions in line with the Bank’s risk appetite within the approved delegation.
- Ensuring credit quality of the portfolio by monitoring material developments affecting accounts/ industries, change in portfolio risk profiles and initiating appropriate action
- Currently in charge of Mid Corporate segment (West). MC segment has tripled in last 3 years with minimal slippages. Handled various sectors such as Chemicals, Engineering, Renewables, Textiles, Food Processing & Beverage sectors, Trading, Real Estate, M&E, G&J, Logistics, IT & ITES, etc
- Customer meetings and site visits for a better understanding of the company/transaction
- Leading a team of credit/ underwriting analysts to ensure that transactions are underwritten promptly after assessing various credit risks and in compliance with Regulatory & Organizational Policy
- Collaborating with various depts viz Relationship, Operations, Risk, IT, Strategy, Audit, compliance, HR, etc.
Manager Credit - Corporate & Business Banking Group
DCB Bank Ltd
07.2005 - 08.2007
- Preparing credit proposals after analysing credit risks based on industry, business, financial and management analysis
- Part of team responsible for implementation of CRISIL Risk Assessment Software
- Preparation of Board Notes/ presentation and Corporate Credit policy
Officer - Audit & Inspection Dept.
Development Credit Bank Limited
10.2003 - 07.2005
- Conducting Operations Audit of departments, AO & branches, identifying gaps, suggesting mitigants and rating them based on the set parameters
- Providing inputs on new/existing products & processes of the Bank on introduction/revision
- Part of team working with E&Y on the implementation of Risk-Based Internal Audit.
Executive Accounts (Accounts Finalisation Group)
Patni Computer Systems Limited
10.2002 - 10.2003
- Review monthly, quarterly and annual accounts/ reports
- Preparation of consolidated financial statements as per Indian GAAP and cordinating with other teams such as Management Accounting, US GAAP, ERP etc.
- Coordinating with Statutory Auditors (KPMG) and ensuring that audit takes place smoothly
Article Clerk
Sorab S. Engineer & Co, Chartered Accountants
07.1998 - 10.2002
- Independently managed Statutory/ Tax Audits of Private/ Public/ Listed from the Planning stage to Reporting stage and reported directly to Partners
- Independently managed Limited Review, Consolidation of Accounts, Certification work.
- Assisted Clients in the implementation of new Accounting Standards and trained article clerks
- Notable Clientele include PSU’s like LIC, SCI, IDBI, UBI (MSM br), Pvt sector Cos belonging to groups such as Arvind, Khatau, J B Boda etc.
Education
Chartered Accountant -
ICAI
India 06.2003 - 06.2006
CFA -
CFA Institute
USA 07.1998 - 05.2001
B.Com -
Bhavans College - Mumbai University
Mumbai 06.1995 - 06.1998
Skills
Credit Risk Management
Financial analysis
Corporate Finance
Financial Accounting
Auditing
Community Development
I have been involved with community development work with various Aga Khan Development Network (AKDN) agencies as a volunteer in the areas of income enhancement and education for nearly 2 decades.
Other Interests
Reading and Astronomy
Software
Finacle
Timeline
SVP – Regional Credit Head West – Mid Corporates
Axis Bank Ltd
08.2007 - Current
Manager Credit - Corporate & Business Banking Group
DCB Bank Ltd
07.2005 - 08.2007
Officer - Audit & Inspection Dept.
Development Credit Bank Limited
10.2003 - 07.2005
Chartered Accountant -
ICAI
06.2003 - 06.2006
Executive Accounts (Accounts Finalisation Group)
Patni Computer Systems Limited
10.2002 - 10.2003
Article Clerk
Sorab S. Engineer & Co, Chartered Accountants
07.1998 - 10.2002
CFA -
CFA Institute
07.1998 - 05.2001
B.Com -
Bhavans College - Mumbai University
06.1995 - 06.1998
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